Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Zero Fintech GroupHKSE:00093 62 PB Ratio is 0.76 as of Sep. 05, 2026, which is 24% below its 10-year median of 1.00. GuruFocus rates HKSE:00093 with a GF Score™ of 62/100 and a GF Value™ of HK$1.18 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 521 Credit Services companies, Zero Fintech Group ranks better than 66.6% on this metric.
Zero Fintech Group Ltd stock PB Ratio (=0.76) is close to 3-year low of 0.76.
The historical rank and industry rank for Zero Fintech Group's PB Ratio or its related term are showing as below:
HKSE:00093'
s PB Ratio Range Over the Past 10 Years
Min: 0.49 Med: 1 Max: 1.64
Current: 0.76
During the past 13 years, Zero Fintech Group's highest PB Ratio was 1.64. The lowest was 0.49. And the median was 1.00.
HKSE:00093's PB Ratio is ranked better than 66.6% of 521
companies
in the Credit Services industry
Industry Median: 1.03
vs HKSE:00093: 0.76
During the past 12 months, Zero Fintech Group's average Book Value Per Share Growth Rate was 2.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 0.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -1.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -2.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Zero Fintech Group was 9.80% per year. The lowest was -12.50% per year. And the median was 0.15% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Zero Fintech Group PB Ratio Related Terms
Zero Fintech Group PB Ratio Historical Data
* Premium members only.
The historical data trend for Zero Fintech Group's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Zero Fintech Group's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Zero Fintech Group PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zero Fintech Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Zero Fintech Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Zero Fintech Group (HKSE:00093) has a PB Ratio of 0.76 as of Sep. 05, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Zero Fintech Group and its competitors. This is 24% below median its historical median of 1.00. Over the past decade, Zero Fintech Group's PB Ratio has ranged from 0.49 to 1.64. According to the industry distribution chart, Zero Fintech Group ranks #174 out of 521 companies in the Credit Services industry, placing it in the top 33.4%.
Is Zero Fintech Group's PB Ratio too high?
Zero Fintech Group's current PB Ratio of 0.76 is 24% below median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 1.64. The Credit Services industry median PB Ratio is 1.03. Zero Fintech Group's value of 0.76 is 26.2% below this industry median. Based on the distribution chart, Zero Fintech Group ranks #174 out of 521 companies in the Credit Services industry, which is above the industry midpoint. Overall, Zero Fintech Group has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Zero Fintech Group's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Zero Fintech Group ranks #174 out of 521 companies for PB Ratio. This puts Zero Fintech Group in the upper half of its industry. The industry median PB Ratio is 1.03. Zero Fintech Group's value of 0.76 is 26.2% below this benchmark. Historically, Zero Fintech Group's own PB Ratio has ranged from 0.49 to 1.64 over the past decade. While the company's 10-year median is 1.00 vs. the industry median of 1.03, Zero Fintech Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.03, based on 521 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zero Fintech Group's current PB Ratio of 0.76 is 26.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Zero Fintech Group and its competitors. For the Credit Services industry, the median PB Ratio is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zero Fintech Group's current PB Ratio is 0.76, which is 24% below median its own 10-year median of 1.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zero Fintech Group stock overvalued right now?
Based on GuruFocus' analysis, Zero Fintech Group (HKSE:00093) is currently considered Possible Value Trap. The stock's GF Value™ is HK$1.18, compared to a current price of HK$0.34 — trading 71.2% below its estimated fair value. The current PB Ratio is 0.76, which is 24% below median its 10-year median of 1.00 and 26.2% below the Credit Services industry median of 1.03. Zero Fintech Group's overall GF Score™ is 62/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Zero Fintech Group (HKSE:00093), the current PB Ratio is 0.76 as of Sep. 05, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Zero Fintech Group (HKSE:00093) Overvalued in 2026?
Based on GuruFocus' analysis, Zero Fintech Group stock appears to be undervalued.
The current stock price of HK$0.34 is trading 71.2% below its estimated GF Value™ of HK$1.18.
GuruFocus considers Zero Fintech Group to be Possible Value Trap.
Key valuation signals for HKSE:00093:
PB Ratio: 0.76 (24% below median its 10-year median of 1.00)
GF Value™: HK$1.18 vs. price of HK$0.34 (71.2% below fair value)
Industry Position: 26.2% below the Credit Services median (#174 of 521)
No single metric tells the full story. See the HKSE:00093 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zero Fintech Group Ltd is an investment holding company. Along with its subsidiaries, the company is engaged in property development and investment business in Hong Kong and the PRC, and money lending business in Hong Kong. The group's reportable segments are Property development and investment; and Money Lending. A majority of its revenue is generated from the Money Lending segment, which provides mortgage and personal loan financing to customers in Hong Kong. Property development and investment segment includes Property development for sale of properties in the PRC and property investment for letting of properties in Hong Kong and the PRC. Geographically, the group operates in Hong Kong and the PRC, of which Hong Kong derives maximum revenue.
62GF Score
Get the complete analysis for HKSE:00093
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HKSE:00093 has been successfully added to your 
